Get multiple home insurance quotes in 40004. Our licensed 40004, KY agents are ready to serve you.

Homeowners Insurance in 40004

In Bardstown, KY, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 40004 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Kentucky licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 40004 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 40004 should appear in the zip code field ready to go.

40004 Homeowners Insurance Rates Are Considered: Medium!

If your looking for a standard homeowners policy in Kentucky, you are going to see rates around the average home insurance premium per year of $842. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Bardstown home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 40004 Home Insurance Rates Now!

Best 3 Options to Compare in 40004

If you want homeowners insurance quotes within the city of Bardstown or in the 40004 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Bardstown, KY.

40004 Home Insurance Average Premiums

Local 40004 homeowners insurance quotes comparison

$592 /yr.

Shows Zip Code: 40004 lowest rates with discounts applied on average.

For the 40004, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$592 /yr.
Average Coverage:$842 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1142 /yr.

What is the average home insurance cost for a home in 40004?

  • • The average homeowners insurance premium paid annually for a home in 40004 is around $842 per year.

What does it cost on average per month for home insurance in 40004?

  • • Homeowners in 40004 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 40004?

  • • Autoowners in 40004 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Bardstown area, check out other zip codes nearby 40004.
Review average rates in another zip code:
40004 homeowners insurance rates

Home Replacement Cost Coverage in 40004

Average Building Cost Per Square Foot in 40004: $118

Location: Bardstown, Kentucky (Nelson County)

Average Square Footage in 40004: 1,403 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 40004 before you start any project. Bardstown homeowners pay on average around $118 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 40004 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 40004 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,403 sq. ft. and the average cost to rebuild the home in this area is around $118 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Bardstown area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1181,403$165,600
Additional Upgrades & Added Features$1481,403$207,000
Major Home Updates or Advancements$1771,403$248,400

It's important to understand that when you estimate your replacement cost of your home in the 40004 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 40004

Etheredge Insurance

Address: 624 North 3rd Street Bardstown, KY 40004
Phone: (502)348-8899
Website: www.etheredgeinsurance.com

Arnold Insurance Agency Inc

Address: 701 West Stephen Foster Avenue Bardstown, KY 40004
Phone: (502)348-6296
Website:

Best Home & Auto Insurance Agencies in 40004

Koger- Glenn

Address: 616 N 3rd St Bardstown, KY 40004
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Rapier, Norma G - Demaree & Hubbard

Address: 602 Bloomfield Rd Bardstown, KY 40004
Phone:
Website: http://www.ewco-ins.com/
Info:

Downs, Amy Reed - Allstate Insurance Company

Address: 305 N 3rd St Bardstown, KY 40004
Phone:
Website: http://www.allstate.com/
Info:

Arnold Insurance Agency Inc

Address: 701 W Stephen Foster Ave Bardstown, KY 40004
Phone:
Website:
Info:

Smith & Associate Insurance Inc

Address: 101 Flamingo Dr Bardstown, KY 40004
Phone:
Website:
Info:

Housing Demographics for 40004

Population Review for 40004 Zip Code

For the city of Bardstown, the population within 40004 has increased to over 32,361 residents in population size. The current population total is 30,890. We have broken down the population based on race below. In 40004, there are over 14935 in male population and 15955 females.

PopulationValues
Total Population30,890
White Population26610
Black Population2006
Hispanic Population916
Asian Population232
Hawaiian Population7
Indian Population64
Other Population363
Male Population14935
Female Population15955
Population Estimate32361

Household Data for 40004

The average number of homes in 40004 is around 12,282, there are an average of 2.47 per household. The average house value according to local real estate values is around $165,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,282
Persons Per Household2.47
Average House Value$165,600
Income Per Household$62637
Median Age40.1
Median Age Male38.5
Median Age Female41.7
40004 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code502
CityBardstown
City Alias NameBARDSTOWN
CountyNelson
County FIPS179
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA350
CBSA31140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLouisville/Jefferson County, KY-IN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses773
Number Of Employees14194
Business First Quarter Payroll161448
Business Annual Payroll726528
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1283566
CBSA Division Population0
Congressional District02|04
Congressional LandArea7177.44|4382.19
Delivery Residential13102
Delivery Business890
Delivery Total14611
Preferred Last Line KeyX14246
Classification Code
Multi-County
CSA NameLouisville/Jefferson County--Elizabethtown, KY-IN
CBSA_DIV_Name
City State KeyX14246
Land Area145.332000
Water Area2.143000
City Alias Code
City Mixed CaseBardstown
City Alias Mixed CaseBardstown
Box Count459
SFDU11394
MFDU44
State ANSI21
County ANSI179
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number200388
Unique ZIP Name
SSA State County Code18890
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseNelson

Kentucky Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]